BFIN Research | Milton Maxwell

BFIN

BankFinancial Corporation

12.76

-0.18-1.39%

Dec 16, 4:00:01 PM EST

Upcoming Earnings

Report date

-/-

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

No earnings call transcript available

Key Stats

Market Cap

159.00M

P/E (TTM)

67.16

Basic EPS (TTM)

0.19

Dividend Yield

0.03%

Recent Filings

8-K

12/18/25Dec 18, 2025

8-K

Supplemental merger disclosures filed

12/5/25Dec 5, 2025

BankFinancial issued supplemental disclosures in its 8-K on December 5, 2025, to address two New York lawsuits and demand letters from purported stockholders alleging a misleading merger proxy with First Financial Bancorp. The company deems claims meritless yet added fairness opinion details—like BankFinancial trading at 0.86x tangible book versus selected banks' median 1.06x—and merger accretion estimates of 0.8% to 2026 EPS. Litigation risks could delay closing.

8-K

Amends exec deal for merger

11/10/25Nov 10, 2025

BankFinancial amended Gregg T. Adams' employment agreement on November 7, 2025, tied to its pending merger with First Financial Bancorp. The changes guarantee him severance post-September 30, 2026, if still employed and not rehired, while capping payments to dodge 280G parachute penalties. Adams stays President of Marketing & Sales. Deal closes uncertain.

8-K

Dividend declared at $0.10/share

10/30/25Oct 30, 2025

BankFinancial Corporation's board declared a $0.10 per share cash dividend on October 30, 2025, payable November 28 to shareholders of record on November 14. This payout underscores steady capital return amid regulatory scrutiny. Future dividends hinge on compliance and market factors. Risks may alter outcomes, per SEC filings.

10-Q

Q3 FY2025 results

10/30/25Oct 30, 2025

BankFinancial posted net income of $2.4M in Q3 2025 ended September 30, up 18% y/y from $2.0M, with diluted EPS rising to $0.19 from $0.16 on steady 12.5M shares; yet YTD net income fell 30% to $4.1M from $5.8M, EPS to $0.33 from $0.47, as net interest income dipped 0.2% y/y to $11.6M amid a 17bp yield drop on loans to 5.21% (derived). A $265K credit loss recovery boosted profitability, while noninterest income edged up 15% to $1.7M on higher deposit fees, but expenses climbed 7% to $10.8M from merger-related professional fees. Deposits grew 2% to $1.242B, cash sat at $82.7M, borrowings shrank to $10M from $20M, and the pending merger with First Financial Bancorp—announced August 11, 2025, all-stock deal pending approvals—looms large. Solid capital at 10.8% equity-to-assets. Litigation over a $8.4M government equipment lease adds uncertainty.

About

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company accepts various deposit products, such as savings, NOW, checking, money market, IRAs, and other retirement accounts, as well as certificates of deposit. Its loan portfolio consists of multi-family residential real estate loans, non-residential real estate loans, commercial loans and commercial equipment leases, consumer loans, and one-to-four family residential real estate loans. The company also offers cash management, funds transfers, bill payment and other online and mobile banking transactions, trust, wealth management, treasury services, and general insurance agency services. In addition, it provides trust and financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company offers its products through full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois, as well as through its internet branch, www.bankfinancial.com. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

CEO

Mr. F. Morgan Gasior

IPO

6/28/2005

Website

https://www.bankfinancial.com

Employees

184

Sector

Financial Services

Industry

Banks - Regional